Whales eye two top coins this summer, one just hit $0.03 with 100% upside

When whales move, the market listens—and this summer, two coins are making waves among crypto’s biggest players.

Dogecoin, the meme-fueled giant, continues to attract large wallets thanks to its cult following and surprising resilience. But it’s the second coin, Mutuum Finance (MUTM), that’s turning heads for all the right reasons.

Priced at just $0.03 and already 50% sold out in its current phase, Mutuum offers more than hype—it delivers real DeFi utility.

With institutional-style features, a verified CertiK audit, and a roadmap leading straight into a beta launch, whales aren’t just watching MUTM—they’re accumulating.

And with 100% upside still on the table, the clock is ticking for everyday investors to catch up. 

Early birds in Phase 1 bought MUTM at just $0.01—and they’re already sitting on 200% gains as the token now trades at $0.03.

Those who hesitated are watching from the sidelines, regretting a missed 3× return. But Phase 5 still offers a rare chance.

If MUTM hits its expected post-launch value of $0.25, new investors can still lock in a 733% return—a $1,000 investment today could become $8,330.

That’s a comeback opportunity few tokens give this late in a presale.

What sets Mutuum Finance (MUTM) apart is its dual-lending structure, especially the P2P (peer-to-peer) mode tailored for whales and high-volume users.

While the traditional lending market is often rigid and over-regulated, Mutuum’s architecture gives users the freedom to lend or borrow without being boxed into predefined terms or expiration dates.

Whales favor custom lending—and so should you

Mutuum Finance (MUTM) is engineered to support both common assets and high-risk tokens through its peer-to-peer (P2P) lending design.

Whales seeking control over terms, returns, and risk now have access to a lending model where they can dictate loan duration, interest, and collateral type—including speculative coins like SHIB, PEPE, and DOGE.

This peer-matching approach removes middle layers, offering greater flexibility while allowing for outsized yields.

Since all loans are overcollateralized and executed through smart contracts, security remains intact—even as users negotiate rates and terms independently.

Those lending in P2P mode will not be exposed to pooled risk and will retain full discretion over the deal.

That autonomy makes the protocol especially attractive to whales deploying large sums across volatile markets, where returns are dictated by speed and control rather than standardized formulas.

Borrowers will be able to select between stable or variable interest structures, while lenders can filter offers by asset class, time frame, and expected return.

There will be no enforced repayment schedule—positions can remain open as long as the collateral maintains required thresholds.

The result is a lending experience designed around real market needs, not institutional limits.

From $0.03 to $0.06 — time-locked opportunity with passive yield

The current presale phase for Mutuum Finance (MUTM) gives investors entry at $0.03 per token.

With the next price jump locked in at $0.035 and the final listing expected at $0.06, buyers at today’s rate stand to double their holdings before the token even reaches exchanges.

An investor allocating $6,000 at the current rate would receive 200,000 MUTM tokens.

Once the token achieves a 30x increase—fueled by strong demand and on-platform earning—this stake would be valued at $180,000.

Token holders will not only benefit from appreciation. The MUTM token is built to generate passive income through multiple utility layers.

Lenders who deposit into Mutuum’s smart contracts will receive mtTokens, which accumulate value in real time.

These mtTokens can be staked into the protocol’s contracts to receive passive dividends funded by periodic token buybacks.

As protocol usage grows, more revenue will be allocated to market purchases of MUTM and redistributed to stakers—adding upward pressure on price and strengthening the incentive to hold.

The protocol is being built with Layer-2 scalability in mind, enabling high-speed, low-cost transactions for users across both P2P and P2C models.

It is also preparing to launch a stablecoin designed for internal lending operations, adding another layer of functional liquidity for users and further utility for token holders.

Meanwhile, the team is preparing a beta release aligned with the token launch, meaning investors will not be left waiting for utility.

Additionally, an ongoing $100,000 giveaway will reward ten participants with $10,000 in MUTM tokens—further incentivizing early adoption before full public release.

With over $11.2 million already raised and more than 12,450 holders on record, the momentum behind Mutuum Finance (MUTM) is growing fast.

Whales are already taking notice—and the window to enter at $0.03 is closing. Once Phase 5 hits capacity, the price will climb and this discounted opportunity will disappear.

Investors seeking exposure to real utility, long-term passive income, and whale-level lending flexibility now have a clear move.

For more information about Mutuum Finance (MUTM) visit the links below:

Website: https://mutuum.com/

Linktree: https://linktr.ee/mutuumfinance

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